How to Transfer an IRA to an Annuity
How to Transfer an IRA to an Annuity
Jason Stolz CLTC, CRPC, DIA, CAA
Transferring an IRA to an annuity is one of the most common retirement income moves made by retirees and near-retirees who want to convert decades of savings accumulation into a predictable, guaranteed income structure — or who want to protect a portion of their IRA from market volatility during the years when a major drawdown would be most financially damaging. The process, when structured correctly as a direct trustee-to-trustee transfer, is non-taxable, non-reportable, and preserves the tax-deferred status of the IRA funds throughout the transfer. The IRS does not treat a direct transfer between IRA custodians as a distribution — no withholding is triggered, no 60-day deadline applies, and no ordinary income tax is assessed on the transferred amount. The practical challenge is not the tax rule; it is the paperwork execution, the receiving contract titling, and the annuity selection decision. At Diversified Insurance Brokers, Jason Stolz, CLTC, CRPC, DIA, CAA coordinates IRA-to-annuity transfers for clients nationwide — ensuring the funds move correctly, the receiving contract is properly titled as a qualified IRA annuity, and the annuity structure is matched to the retirement income objective the transfer is meant to serve. Our resource on how an IRA works covers the foundational IRA rules and structure that govern what you can transfer, when, and to what type of receiving vehicle — essential context before selecting the annuity that will hold the funds.
The most important concept in an IRA-to-annuity transfer is the distinction between a direct transfer and a rollover distribution. A direct transfer — where funds move from the IRA custodian directly to the receiving annuity carrier without passing through the account owner’s hands — is the preferred and safest transfer method. No withholding is assessed because no distribution has occurred. Our resource on what a direct rollover is covers this distinction in detail — including why the payee line on the disbursement check matters, what “FBO your IRA” means in the transfer documentation, and how to confirm a transfer is being processed as direct rather than as an indirect rollover that creates withholding obligations and a 60-day redeposit deadline.
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IRA-to-Annuity Transfer — Matching Your Goal to the Right Structure
The most consequential decision in an IRA-to-annuity transfer is not the paperwork — it is the annuity structure selection. Different annuity designs serve fundamentally different retirement purposes, and choosing the wrong structure for the specific income or accumulation objective produces a policy that is technically functional but practically misaligned with how you actually intend to use the money. The table below maps common IRA transfer goals to the annuity structure most likely to serve that goal, with the key design features and watch points that determine whether the chosen structure will perform as expected across a realistic retirement timeline.
| Transfer Goal | Best Annuity Structure | Key Feature That Serves This Goal | Typical Term or Duration | Watch Point |
|---|---|---|---|---|
| Guaranteed fixed growth for a defined period Protect principal, earn a set rate, no market exposure |
Multi-Year Guaranteed Annuity (MYGA) — contract-defined interest rate for the selected term | Locked interest rate for the full guarantee period — no rate resets, no market exposure, no crediting formula | 2–10 years depending on carrier and rate competition | Surrender period and market value adjustment — funds accessed outside free withdrawal provisions during the term may incur penalty; confirm free withdrawal percentage before purchasing |
| Principal protection with index-linked upside No direct market loss to principal, participate in index gains within limits |
Fixed Indexed Annuity (FIA) — credited interest based on index performance subject to cap, spread, or participation rate; floor at zero or a positive minimum | Downside protection: index losses do not reduce principal; potential for credited interest in positive index years based on the crediting formula | 5–12 year surrender periods typical; accumulation phase before income activation | Crediting formula complexity — caps, spreads, and participation rates limit the upside relative to direct market exposure; the zero-loss floor is guaranteed but full index upside is not |
| Guaranteed lifetime income starting within 1–3 years Turn IRA into a monthly or annual income stream for life |
Fixed Indexed Annuity with income rider, or deferred income annuity positioned for near-term income activation | Guaranteed lifetime withdrawal benefit (GLWB) rider — income base grows during deferral, payout rate applied at income activation produces guaranteed lifetime income regardless of account value | Income activation within 1–3 years of purchase; income continues for life | Rider fee drag — income riders carry annual costs (typically 0.5%–1.5% of income base) that reduce accumulation for IRA owners who defer income activation longer than planned |
| Deferred guaranteed income — income starts 5+ years out Accumulate now, activate guaranteed income later when needed |
Fixed Indexed Annuity with rollup-focused income rider — income base grows at a guaranteed rollup rate during deferral; payout begins at chosen future date | Compounding rollup rate on income base during deferral produces a larger future guaranteed income amount; the longer the deferral period (within limits), the larger the payout | 5–15 year deferral window; income for life after activation | Rollup vs. payout rate distinction — the rollup rate (how the income base grows) is different from the payout rate (what percentage of the income base is paid annually); compare both for the realistic activation age |
| Immediate income — convert IRA to income stream now Already retired; want income to begin within 12 months |
Single Premium Immediate Annuity (SPIA) or deferred income annuity with 12-month start; can also be structured to satisfy RMDs simultaneously | Immediate conversion of premium to structured income; payout options include life-only, life with period certain, joint-life for spouses, or installment refund | Income begins within 1–12 months and continues for selected period or life | Liquidity is limited or eliminated once annuitized — SPIAs are typically irrevocable; the income stream continues but the ability to access principal as a lump sum is often permanently surrendered at purchase |
| Flexibility priority — need growth with shorter surrender period Want annuity benefits but need more accessible liquidity than 10-year surrender allows |
Short-term MYGA (2–5 year) or FIA with flexible surrender structure and enhanced free withdrawal provisions | Shorter commitment horizon; free withdrawal provisions (typically 10% per year of account value) remain accessible during the surrender period; MVA-free in some contract designs | 2–5 year surrender periods; renewable at maturity for new rates | Shorter terms typically produce lower credited rates; the rate-versus-liquidity tradeoff should be compared explicitly before selecting term length |
| Bonus premium enhancement — maximize starting balance Want an upfront bonus applied to the premium at contract issue |
Bonus FIA or bonus MYGA — carrier applies an upfront percentage bonus to the premium or income base at issue | Premium bonus enhances the starting account value or income base; can be particularly effective when the bonus is vested and income activation is planned within the bonus recovery period | Typically 7–12 year surrender periods to reflect the bonus amortization | Bonus vesting schedules — the upfront bonus may be subject to a vesting schedule that returns a portion of the bonus to the carrier if the contract is surrendered early; confirm whether the bonus applies to the account value, income base, or both |
The table’s most important distinction for most IRA transfer decisions is the difference between accumulation-focused structures (MYGAs and FIAs without income riders) and income-focused structures (FIAs with GLWB riders and SPIAs). Accumulation structures are best when the income need is 5+ years away or when the primary goal is principal protection with growth. Income structures are best when guaranteed monthly or annual income is the primary objective and the rider cost is justified by the income certainty it provides. Our resource on short-term annuity options for retirees covers the shorter-surrender-period alternatives for IRA owners who want annuity benefits with less commitment duration — and our resource on best annuity for a 65-year-old covers the specific age-based analysis that applies to the most common IRA transfer demographic.
Why Transfer an IRA to an Annuity
Most IRA owners built their accounts during accumulation years when the primary objective was growing the balance as efficiently as possible. In retirement, the objective shifts: the IRA becomes a distribution engine rather than an accumulation engine, and the questions that matter most change from “how much can I grow this” to “how do I turn this into sustainable income without running out.” That shift in objective is where annuities — specifically, their ability to provide contract-based guarantees that are not dependent on market performance — become most relevant.
The most compelling argument for transferring at least a portion of an IRA to an annuity is the elimination of sequence of returns risk — the specific vulnerability that makes early-retirement market declines permanently damaging to a portfolio-withdrawal-dependent retirement plan. When a retiree draws from a market-based portfolio during a down year, they sell assets at depressed prices, reducing the portfolio’s ability to participate in the eventual recovery. An annuity with guaranteed income eliminates that dependency for the portion of expenses it covers — the guaranteed income arrives regardless of market conditions, removing the pressure to sell portfolio assets at inopportune valuations. Our resource on what to do with your IRA after you retire covers the complete retirement income decision framework — the annuity transfer decision being one component alongside Social Security timing, portfolio withdrawal strategy, and tax-efficient distribution planning.
Who Can Transfer and What Qualifies
Any owner of a Traditional IRA, Rollover IRA, or SEP IRA can transfer some or all of the account to an IRA-qualified annuity at any time, without a triggering event requirement. IRA transfers are not restricted to retirement, job change, or any other qualifying circumstance because an IRA is an individually owned account rather than an employer plan. The practical question is not eligibility but suitability — whether the annuity structure selected serves the specific retirement income objective and whether the transfer amount is appropriate relative to the IRA owner’s total liquidity, spending, and income planning. Roth IRA transfers follow the same direct transfer mechanics but have different income and taxation objectives; the annuity structure selected for a Roth IRA transfer should reflect the Roth’s tax-free distribution advantage rather than assuming the same design serves both IRA types equally.
Step-by-Step: How the Transfer Works
The IRA-to-annuity transfer process follows a predictable sequence when properly structured. The process begins before selecting a product — with identifying the specific retirement income objective the transfer is meant to serve. The annuity structure, carrier selection, income design (if applicable), and transfer timeline all follow from that purpose definition. Selecting a product before defining the objective is the most common source of IRA annuity disappointment: the contract is technically functional but practically misaligned with how the owner actually intends to use the money during retirement.
Once the objective is clear, the next steps are annuity selection and receiving contract establishment. The receiving annuity must be established as a qualified IRA annuity — properly titled as an IRA, with IRA beneficiary designations, and coded to receive qualified IRA funds so that tax deferral continues and future distributions are treated as qualified distributions subject to ordinary income tax at the time of withdrawal. This titling step is not a formality — an incorrectly titled receiving contract can create tax reporting confusion and potential early distribution treatment even when the transferred funds originated from an IRA. The transfer request itself is then initiated — typically by the receiving annuity carrier or the advisory team — with instructions sent to the current IRA custodian to transfer funds directly to the new carrier. The disbursement should be payable to the receiving insurance company for the benefit of (FBO) the owner’s IRA, not payable to the owner personally.
The most critical verification in the transfer process is confirming that the transfer is processed as a direct, custodian-to-custodian movement rather than as a distribution followed by a redeposit. A direct transfer preserves the IRA’s tax-deferred status without triggering withholding, without creating a 60-day redeposit deadline, and without any reportable distribution event. Our resource on current annuity rates provides a starting reference for comparing fixed and guaranteed income options across carriers — useful context for the carrier selection step that follows the objective definition.
Tax Rules — Keeping the Transfer Clean
The transfer itself is not the taxable event. Future distributions from the IRA annuity — whether systematic withdrawals, income rider payments, or required minimum distributions — are the taxable events, subject to ordinary income tax in the year distributions are received. This is the same tax treatment that applies to any Traditional IRA distribution, and the annuity wrapper does not change that fundamental tax rule. What the annuity structure does change is the predictability of the distribution stream, the liquidity flexibility during the accumulation or deferral phase, and in income rider designs, the lifetime guarantee that distributions continue regardless of account value. Our resource on qualified annuity taxation covers the tax treatment of IRA annuity distributions in detail — including how distributions are reported, how required minimum distributions interact with annuity income streams, and how partial withdrawals are treated relative to the full contract value.
The transfer becomes taxable — and potentially subject to early distribution penalties — when it is processed incorrectly as a personal distribution. The most common error is the receiving IRA owner taking possession of the funds before the new annuity contract is established, treating the funds as a personal distribution, and then attempting to redeposit within 60 days. Even well-intentioned redeposits create withholding complications (the custodian typically withholds 20% at distribution if requested directly), deadline risks (the 60-day window can close faster than expected), and limitations (only one IRA rollover per 12-month period per account). The direct transfer eliminates all of these risks by removing the owner from the fund movement chain entirely.
Required Minimum Distributions and the IRA Annuity
Traditional IRA owners must begin taking required minimum distributions when they reach the applicable RMD age (currently 73 under SECURE 2.0 provisions). The IRA annuity — holding qualified IRA funds — is subject to RMD rules on the same timeline as any Traditional IRA. The RMD amount is calculated based on the fair market value of the annuity account (as reported by the carrier) and the applicable IRS life expectancy factor. For accumulation-phase annuities, the RMD can typically be taken as a systematic withdrawal within the contract’s free withdrawal provisions — meaning the RMD can be distributed without triggering surrender charges as long as it falls within the annual free withdrawal allowance, which most carriers set at 10% of the account value per year. Our resource on required minimum distributions covers the RMD calculation mechanics, the timeline for first RMDs, and the consequences of missed or insufficient distributions — all directly relevant to IRA annuity owners who need to plan their distribution schedule before completing the transfer.
For IRA annuities with income riders, the income payment stream can sometimes satisfy or contribute to the annual RMD obligation — depending on how the income is structured, whether the contract’s income payments meet the RMD amount for that year, and how the carrier reports the income basis to the IRS. This coordination between guaranteed income and RMD satisfaction is one of the primary planning advantages of an income rider design in an IRA context: the structured income payment resolves the “forced distribution” obligation while providing the predictable income stream the annuity was purchased to deliver. Confirming that the specific annuity contract’s income structure supports RMD satisfaction — and at what income payment level — is part of the pre-transfer analysis that our advisors conduct for every IRA-to-annuity transfer.
Liquidity, Time Horizon, and How Much IRA to Transfer
The single most valuable planning decision in an IRA-to-annuity transfer is determining how much of the IRA to transfer and how much to keep in liquid, market-based vehicles. The annuity is not designed for every dollar of the retirement account — it is designed for the portion of retirement assets that the owner is willing to commit to the longer-term structure in exchange for the guarantee, the protection, or the income certainty the annuity provides. Every dollar transferred into an annuity is a dollar subject to the annuity’s surrender schedule, free withdrawal limitations, and contract-specific liquidity rules. Those rules are not punishments — they are the mechanism that allows the carrier to provide the guarantees — but they must be understood before the transfer is completed.
Our resource on annuity free withdrawal rules covers how the free withdrawal provision works across different annuity contract designs — the annual percentage of account value that can be withdrawn without surrender charges, the cumulative vs. non-cumulative interpretation of unused free withdrawal allowances, and the interaction between free withdrawals and RMD obligations. Our resource on annuity surrender charges explained covers what happens when withdrawals exceed the free provision during the surrender period — the declining charge schedule, how the market value adjustment affects the net surrender value in some contract designs, and the breakeven timeline analysis that informs how much of an IRA is appropriate to commit to a long-duration annuity structure.
For IRA owners whose primary concern is liquidity alongside income certainty, the most effective planning approach is to divide the IRA conceptually into three functional buckets: an income bucket (the portion transferred to the annuity for guaranteed income), a liquidity reserve bucket (retained in accessible vehicles for near-term spending needs and unplanned expenses), and a growth or legacy bucket (retained in market-based investments for longer-horizon objectives). Sizing the annuity transfer to fill the income bucket without depleting the liquidity reserve bucket is the portfolio allocation decision that makes the annuity feel like a planning tool rather than a restriction. Our resource on best MYGA annuity rates covers the fixed-rate annuity comparison relevant to IRA owners who want predictable accumulation without the complexity of index crediting formulas — often the starting point for the income bucket portion of the analysis.
Income Rider Mechanics — What GLWB Actually Means for an IRA Transfer
The guaranteed lifetime withdrawal benefit rider is the feature that converts an IRA annuity from an accumulation tool into an income tool. Understanding how it works before purchasing prevents the most common income rider disappointment: discovering that the rider’s income is structured differently from what the marketing language suggested. Our resource on what is a GLWB covers the mechanics in detail — the income base as a separate accounting value from the account value, how the rollup rate grows the income base during the deferral period, how the payout rate is applied to the income base to determine the annual guaranteed income amount, and what happens to the income stream if the account value is depleted during an extended lifetime income period. Our resource on guaranteed lifetime withdrawal benefits explained covers the full design framework — including the rider fee structure, the withdrawal guardrails that protect the guaranteed income stream, and how joint-life income provisions extend coverage to a surviving spouse. For IRA owners evaluating income riders, the two most consequential questions are the payout rate that applies at the planned income start age and the annual rider fee — because those two numbers determine whether the income produced by the rider is worth the fee paid during the accumulation phase.
How to Choose the Annuity That Fits the Transfer
The annuity selection decision should follow from the objective definition rather than from product marketing or carrier brand recognition. For IRA owners who want guaranteed fixed growth without market exposure, multi-year guaranteed annuity structures provide a contract-defined interest rate for the selected term — making the growth outcome predictable and the product design transparent. Our resource on how a fixed indexed annuity works covers the index crediting mechanics for IRA owners evaluating FIAs — the cap rates, participation rates, and spreads that determine how much of a positive index year’s performance is credited to the contract, and the floor protection that prevents negative index performance from reducing the principal or prior credited interest. For IRA owners who want both accumulation protection and a future income activation option, the FIA with income rider is the structure that combines those objectives — at the cost of an annual rider fee and a longer surrender period than a standalone MYGA would carry.
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FAQs: Transferring an IRA to an Annuity
Is transferring an IRA to an annuity taxable?
No — a direct trustee-to-trustee transfer of IRA funds to an IRA-qualified annuity is not a taxable event. The transfer preserves the IRA’s qualified tax-deferred status because the funds move directly from the current IRA custodian to the receiving annuity carrier without passing through the account owner’s possession. The IRS does not classify this as a distribution, which means no mandatory withholding applies, no 60-day redeposit requirement is triggered, and no ordinary income tax is assessed on the transferred amount. The taxable events come later: when you take distributions from the IRA annuity during retirement — whether as systematic withdrawals, income rider payments, or required minimum distributions — those distributions are subject to ordinary income tax in the year received, exactly as Traditional IRA distributions are treated regardless of whether the IRA is held in an annuity or any other investment vehicle. The annuity wrapper does not change the tax treatment of future distributions; it changes the structure, predictability, and guarantee features of those distributions.
What is the difference between a direct transfer and a rollover?
A direct transfer — also called a trustee-to-trustee transfer — moves IRA funds directly from the current custodian to the receiving annuity carrier without the IRA owner ever taking possession of the funds. This is the cleanest and safest transfer method: no withholding is triggered, no taxable distribution is created, and no time deadline applies to the movement. A rollover, by contrast, involves the IRA custodian distributing funds to the account owner directly, who then has 60 days to redeposit the funds in a qualifying IRA or annuity to avoid taxation. The problem with the rollover approach is that mandatory 20% withholding typically applies when funds are distributed directly to the account owner — meaning the account owner would need to deposit 100% of the original IRA balance within 60 days, covering the 20% withheld from personal funds to avoid having that 20% treated as a taxable distribution. Additionally, IRA owners are limited to one rollover per 12-month period per IRA account under IRS rules. The direct transfer avoids all of these complications: no withholding, no deadline, and no once-per-year limitation. For IRA-to-annuity transfers, the direct method is always preferable when available.
Can I transfer only part of my IRA to an annuity?
Yes — partial IRA-to-annuity transfers are not only permitted but are frequently the most appropriate planning approach. Most retirement income plans benefit from maintaining a combination of guaranteed, annuity-based income alongside liquid, market-based assets rather than converting the entire IRA into a single structure. A partial transfer allows the annuity to serve the income and stability function for a defined portion of the IRA — typically the portion designated for predictable retirement income or downside protection — while the remaining IRA funds stay in more accessible, flexible investments that can serve liquidity needs, near-term spending requirements, and growth objectives that the annuity structure is not designed for. The portion transferred to the annuity should be sized so that the surrender schedule and free withdrawal limitations do not create meaningful restrictions for the realistic spending plan — meaning the annuity should contain only what the owner is genuinely comfortable committing to the contract structure for the full surrender period, not all retirement savings.
How do required minimum distributions work with an IRA annuity?
Traditional IRA annuities are subject to the same required minimum distribution rules that apply to all Traditional IRAs. When the account owner reaches the applicable RMD age (currently 73 under SECURE 2.0), annual RMDs must be taken based on the fair market value of the annuity as reported by the carrier and the applicable IRS life expectancy factor. For accumulation-phase annuities (MYGAs and FIAs during the deferral period), most carriers permit RMD-sized withdrawals under the free withdrawal provision — meaning the annual RMD can typically be distributed without triggering surrender charges, as long as it falls within the 10% annual free withdrawal allowance that most contracts provide. For income rider designs where the annuity is already making guaranteed income payments, those income payments may satisfy part or all of the annual RMD obligation, depending on the payment amount relative to the calculated RMD. Confirming how the specific contract handles RMDs — whether through systematic withdrawal options, income payment integration, or specific RMD endorsements — is part of the pre-transfer analysis that should happen before the annuity is selected and the transfer is completed.
What type of annuity is best for IRA money?
The best annuity structure for an IRA transfer depends on the specific retirement objective the transferred funds are meant to serve — and that objective varies significantly from one retirement plan to the next. For IRA owners who want predictable, guaranteed interest accumulation without market exposure, a multi-year guaranteed annuity (MYGA) provides a contract-defined rate for a selected term with straightforward mechanics and no crediting formula complexity. For IRA owners who want principal protection alongside the potential for index-linked credited interest, a fixed indexed annuity provides the downside floor protection and controlled growth potential without direct market investment. For IRA owners who want guaranteed lifetime income as the primary outcome, a fixed indexed annuity with a guaranteed lifetime withdrawal benefit rider provides the income certainty at the cost of an annual rider fee and a longer surrender period. For IRA owners who want income to begin immediately, a single premium immediate annuity converts the premium directly into structured payments that can begin within one month to twelve months of purchase. The selection table earlier on this page maps each goal to its most appropriate structure and covers the watch points that determine whether the chosen structure will serve the objective across a realistic retirement timeline.
Are there fees when transferring my IRA to an annuity?
The transfer itself typically carries no fee — most IRA custodians allow direct transfers without charging a transfer fee, though some custodians charge a small administrative fee (often $25–$75) for outgoing transfers. The more meaningful cost question is not about the transfer but about the receiving annuity contract’s ongoing cost structure. Basic accumulation annuities — MYGAs and FIAs without income riders — typically carry no explicit annual fees; the carrier’s margin is built into the credited rate or the index crediting formula. Annuities with optional income riders, enhanced death benefit riders, or other optional contract features typically carry annual rider charges expressed as a percentage of the income base or account value — commonly ranging from 0.5% to 1.5% per year for income riders depending on the carrier and feature level. These ongoing charges reduce the accumulation performance during the deferral phase, and whether they are justified depends on whether the income feature is genuinely part of the retirement income plan rather than an add-on that may never be activated. Before completing the transfer, review any existing IRA investments for surrender charges or deferred sales loads that may apply to liquidation — the cost of exiting the current investment should be factored into the transfer decision alongside the expected benefit of the receiving annuity structure.
What mistakes should I avoid when transferring an IRA to an annuity?
The most consequential mistakes in IRA-to-annuity transfers fall into two categories: mechanical errors that create unnecessary tax events, and planning errors that result in a mismatch between the annuity structure and the retirement income objective. On the mechanical side, the critical error to avoid is taking personal possession of the IRA funds before the receiving annuity is established — any distribution directly to the account owner triggers mandatory withholding, creates a 60-day redeposit deadline, and activates the once-per-year rollover limitation, all of which are entirely avoidable with a direct transfer. Equally important is confirming that the receiving annuity is established and titled as an IRA-qualified annuity before the transfer is initiated — a receiving contract that is not properly titled as an IRA can create tax reporting complications even when the funds originated from a qualified IRA. On the planning side, the most damaging error is transferring more IRA funds than appropriate given realistic near-term spending needs and liquidity requirements — placing funds into a surrender schedule that creates restrictions during a period when those funds might genuinely be needed. Running a realistic liquidity analysis before determining the transfer amount, and confirming that the surrender schedule aligns with the realistic retirement spending timeline, eliminates the most common source of annuity buyer’s remorse.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, Travel Medical and Evacuation Insurance, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, as well as his agency's featured coverage in Kiplinger— highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
Explore More Lifetime Income Options: Browse our complete guide to How to Transfer a Retirement Account to an Annuity — covering IRA, 401k, 403b, TSP, pension, Roth IRA, SEP IRA, 457b & more rollover guides from 100+ carriers.
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